Legal claims defining the scope of protection. Each claim is shown in both the original legal language and a plain English translation.
1. A computer-implemented method to authorize a transaction using a chip-enabled card in communication with a merchant terminal in a contact or contactless manner, the method comprising: performing, by the chip-enabled card, an analysis of the transaction using transaction data and pre-set transaction processing rules; triggering, by the chip-enabled card, an alert for communication to an account holder communication device in response to the analysis of the transaction, the alert requesting a response to confirm or deny the transaction; and processing authorization in accordance with the response or no response as received by the chip-enabled card.
A computer-implemented method authorizes a transaction using a chip-enabled card in contact or contactless communication with a merchant terminal. The chip-enabled card analyzes the transaction using transaction data and pre-set transaction processing rules. Based on this analysis, the chip-enabled card triggers an alert to be sent to the account holder's communication device, requesting confirmation or denial of the transaction. The authorization is then processed according to the response received (or lack thereof) by the chip-enabled card.
2. The method of claim 1 comprising receiving the transaction data via the merchant terminal.
The method to authorize a transaction using a chip-enabled card, where the chip-enabled card analyzes the transaction using transaction data and pre-set transaction processing rules, triggers an alert to the account holder's device for confirmation, and processes authorization based on the response, includes receiving the transaction data through the merchant terminal.
3. The method of claim 2 comprising communicating the alert by the chip-enabled card to the account holder device via a separate channel from a coupling between the chip-enabled card and the merchant terminal.
The method to authorize a transaction using a chip-enabled card, where the chip-enabled card analyzes the transaction using transaction data received from the merchant terminal and pre-set transaction processing rules, triggers an alert to the account holder's device for confirmation, and processes authorization based on the response, further includes communicating the alert from the chip-enabled card to the account holder's device using a separate channel that is independent of the connection between the chip-enabled card and the merchant terminal. For example, the card could use a cellular or Wi-Fi connection to contact the user, rather than communicating through the terminal.
4. The method of claim 3 comprising receiving the response via the separate channel.
The method of authorizing a transaction using a chip-enabled card, where the chip-enabled card analyzes the transaction using transaction data received from the merchant terminal and pre-set transaction processing rules, triggers an alert communicated to the account holder's device via a separate channel from the card-terminal coupling, and processes authorization based on the response, further includes receiving the response (confirm or deny) from the account holder also through this separate channel.
5. The method of claim 2 comprising determining the account holder communication device to communicate the alert.
The method to authorize a transaction using a chip-enabled card, where the chip-enabled card analyzes the transaction using transaction data received from the merchant terminal and pre-set transaction processing rules, triggers an alert to the account holder's device for confirmation, and processes authorization based on the response, further includes determining which account holder communication device (e.g., smartphone, email address) to use for sending the alert.
6. The method of claim 2 including providing a card analysis return code to the merchant terminal in accordance with the authorization, wherein the card analysis return code includes data representing the response or no response as received by the chip-enabled card.
The method to authorize a transaction using a chip-enabled card, where the chip-enabled card analyzes the transaction using transaction data received from the merchant terminal and pre-set transaction processing rules, triggers an alert to the account holder's device for confirmation, and processes authorization based on the response, also includes providing a card analysis return code to the merchant terminal reflecting the authorization decision. This return code contains data representing the response received (confirm, deny) or the lack of response from the account holder.
7. The method of claim 1 wherein the pre-set transaction processing rules are stored to the chip-enabled card and wherein the method comprises receiving updates to the pre-set transaction processing rules.
The method to authorize a transaction using a chip-enabled card, where the chip-enabled card analyzes the transaction using transaction data and pre-set transaction processing rules, triggers an alert to the account holder's device for confirmation, and processes authorization based on the response, is enhanced by storing the pre-set transaction processing rules directly on the chip-enabled card and also receiving updates to these rules.
8. The method of claim 7 wherein at least some of the pre-set transaction processing rules are defined by an account holder associated with the chip-enabled card.
The method of authorizing a transaction using a chip-enabled card, where the pre-set transaction processing rules are stored on the card and updated, and the card analyzes the transaction using transaction data and these rules, triggers an alert to the account holder's device for confirmation, and processes authorization based on the response, has at least some of the pre-set transaction processing rules defined by the account holder associated with the chip-enabled card. This allows users to customize fraud detection.
9. A computer program product comprising a non-transitory medium storing instructions for configuring at least one processor of a chip-enabled card, when executed, to perform a method in accordance with claim 1 .
A computer program product comprises a non-transitory medium storing instructions that, when executed by at least one processor on a chip-enabled card, cause the card to: analyze a transaction using transaction data and pre-set rules; trigger an alert to the account holder's device, requesting confirmation or denial; and process authorization based on the received response or lack thereof. This effectively turns a standard chip card into one that proactively requests user confirmation before completing transactions.
10. The computer program product of claim 9 wherein the chip-enabled card comprises at least one communication system configured to communicate with the merchant terminal and to communicate to the account holder device via a separate channel from a coupling between the chip-enabled card and the merchant terminal; and wherein the chip-enabled card is configured to communicate the alert via the separate channel.
The computer program product that configures a chip-enabled card to analyze transactions, trigger alerts, and process authorization based on user response, includes a chip-enabled card with a communication system that communicates both with the merchant terminal and, separately, with the account holder's device. The alert is communicated via this separate channel, independent of the terminal connection.
11. The computer program product of claim 9 wherein the chip-enabled card comprises at least one communication system configured to communicate with the merchant terminal and wherein the chip-enabled card is configured to receive the transaction data from the merchant terminal.
The computer program product that configures a chip-enabled card to analyze transactions, trigger alerts, and process authorization based on user response, includes a chip-enabled card with a communication system that communicates with the merchant terminal, where the chip-enabled card is configured to receive transaction data from the merchant terminal.
12. The computer program product of claim 9 wherein the chip-enabled configured to determine the account holder communication device to communicate the alert.
The computer program product that configures a chip-enabled card to analyze transactions, trigger alerts, and process authorization based on user response, configures the chip-enabled card to determine the correct communication device for sending the alert to the account holder.
13. A chip-enabled card comprising at least one processor, a memory and at least one communication system configured to communicate with a merchant terminal, in a contact or contactless manner, the memory storing instructions and data to configure the processor to perform a method to authorize a transaction, the method comprising: performing, by the chip-enabled card, an analysis of the transaction using transaction data and pre-set transaction processing rules; triggering, by the chip-enabled card, an alert for communication to an account holder communication device in response to the analysis of the transaction, the alert requesting a response to confirm or deny the transaction; and processing authorization in accordance with the response or no response as received by the chip-enabled card.
A chip-enabled card includes at least one processor, memory, and communication system configured to communicate with a merchant terminal. The memory stores instructions to configure the processor to perform a method: analyze a transaction using transaction data and pre-set rules; trigger an alert to the account holder's device, requesting confirmation or denial; and process authorization based on the response or lack thereof.
14. The chip-enabled card of claim 13 wherein the at least one communication system is configured to receive the transaction data via the merchant terminal.
The chip-enabled card described previously, which analyzes transactions, triggers alerts, and processes authorization, has a communication system configured to receive the transaction data from the merchant terminal.
15. The chip-enabled card of claim 14 wherein the at least one communication system is further configured to communicate to the account holder device via a separate channel from a coupling between the chip-enabled card and the merchant terminal and wherein the processor is configured to communicate the alert via the separate channel.
The chip-enabled card described previously, which receives transaction data from the merchant terminal, analyzes transactions, triggers alerts, and processes authorization, has a communication system that further communicates with the account holder's device using a separate channel, independent of the card-terminal coupling. The processor is configured to communicate the alert through this separate channel.
16. The chip-enabled card of claim 15 wherein the processor is configured to receive the response via the separate channel.
The chip-enabled card that analyzes transactions, triggers alerts via a separate channel, receives transaction data from the merchant terminal, and processes authorization based on user response, is further configured such that the processor receives the confirmation or denial response from the account holder through the same separate channel.
17. The chip-enabled card of claim 16 wherein the at least one communication system is configured to communicate with the account holder communication device via a wireless local area network or a wireless wide area network in the separate channel, without communicating through the merchant terminal.
The chip-enabled card that analyzes transactions, triggers alerts via a separate channel, receives transaction data from the merchant terminal, and processes authorization based on user response, wherein the processor receives the confirmation/denial response through this separate channel, is set up so that the communication system uses a wireless local area network (WLAN or Wi-Fi) or a wireless wide area network (WWAN or cellular) to communicate with the account holder's device, without relaying communications through the merchant terminal.
18. The chip-enabled card of claim 14 wherein the processor is configured to determine the account holder communication device to communicate the alert.
The chip-enabled card that analyzes transactions, triggers alerts, and processes authorization based on user response, and receives transaction data from the merchant terminal, is configured such that the processor determines which account holder communication device should receive the alert.
19. The chip-enabled card of claim 14 wherein the processor is configured to provide a card analysis return code to the merchant terminal in accordance with the authorization and wherein the card analysis return code includes data representing the response or no response as received by the chip-enabled card.
The chip-enabled card that analyzes transactions, triggers alerts, and processes authorization based on user response, and receives transaction data from the merchant terminal, is further configured such that the processor provides a card analysis return code to the merchant terminal. This return code includes data representing the response from the account holder (confirm, deny) or the absence of a response, effectively informing the terminal of the authorization decision.
20. The chip-enabled card of claim 13 wherein the pre-set transaction processing rules are stored to the chip-enabled card and wherein the processor is configured to receive updates to the pre-set transaction processing rules wherein at least some of the pre-set transaction processing rules are defined by an account holder associated with the chip-enabled card.
The chip-enabled card that analyzes transactions, triggers alerts, and processes authorization based on user response is enhanced by storing the pre-set transaction processing rules directly on the card. The processor is configured to receive updates to these rules, and at least some of the rules are defined by the account holder, allowing for customizable fraud protection.
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October 21, 2014
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